Have it?

There are plenty of things everyone should have, like life insurance, disability insurance, clothes, and a roof. There are other things that are probably even more important that most people neglect. Notably, a good diet and plenty of exercise. You are willing to pay money to ensure that you or your family will be taken care of if something happens but are you willing to PAY THE TIME out of your time budget to lessen the likelihood that those things will happen in the first place? Why is time so much harder to spend than money? You have to spend it, so make sure you invest it wisely, and you might get more in the end.